I am 67.5 years old and stopped working at 62. I know I was eligible at my FRA of 66 to take my social security benefits, but have delayed in order to earn several months of DRC's. I am worried that I should I have already filed and suspended at FRA 66 and will therefore lose these DRC's? I also have a disabled adult child who will transition off of SSI to my benefit. Thank you for your help.